As of 2026, Turo offers three earnings plans — Peace of Mind, Balanced, and More Earnings — that pay hosts 70%, 80%, or 90% of the trip price on standard bookings. Book far enough in advance and the share climbs: a More Earnings trip reserved 28 or more days ahead pays the host 100% of the trip price. Protection plans no longer exist.
That last sentence matters more than it sounds. Around March 2026, Turo retired its numbered protection plans and rebuilt them as the Turo earnings plans in place today, with shares tied to booking windows. If an article you are reading mentions the "60 plan" or claims "Turo takes 40%," it is describing a system Turo shut down.
This guide walks through the Turo earnings plans as they actually work now: what changed, how each plan pays across booking windows, and the break-even math nobody publishes — including Turo. One caveat first: shares can differ by market and account, so confirm your exact percentages in your Turo dashboard.
Key Takeaways
- Turo earnings plans replaced protection plans around March 2026. The three plans are Peace of Mind, Balanced, and More Earnings.
- The headline host shares are 70/80/90 — but your real share depends on how far ahead each trip was booked, ranging from 65% to 100%.
- More Earnings plus a 28+ day advance booking = 100% of the trip price. Zero Turo fee on that booking.
- The trade-off is damage responsibility: $250 (Peace of Mind), $1,500 (Balanced), or $2,750 (More Earnings) out of pocket per incident.
- Rule of thumb: every 10 share points you move up costs about $1,250 more in damage responsibility. The higher plan wins once you clear roughly $12,500 of annual trip revenue per damage incident you expect.
Protection Plans Are Gone: What Changed in March 2026
For years, Turo hosts picked a numbered protection plan — the 60 plan, the 90 plan, and the tiers between — where the number was your share of the trip price and each tier carried a deductible. That entire structure was retired in early 2026.
The replacement changes three things at once, which is exactly why so much third-party content is now wrong:
| What changed | Before (protection plans) | Now (earnings plans) |
|---|---|---|
| Plan structure | Numbered tiers (60 plan, 90 plan, etc.) | Three named plans |
| Host share | One fixed number per plan | Varies by booking window (65%–100%) |
| Out-of-pocket term | Deductible | Damage responsibility |
| Maximum payout | 90% of trip price | 100% (More Earnings, 28+ days ahead) |
The vocabulary shift is not cosmetic. "Damage responsibility" is the flat amount you owe when your car is damaged during a trip, with the plan's protection kicking in above it — functionally where the old deductible sat, with new amounts tied to each share level.
Practical consequence: any comparison chart or forum thread written before March 2026 quotes percentages that no longer exist — check the publish date before trusting a number.
The Three Turo Earnings Plans at a Glance
Here is the current lineup under Turo's published US host-earnings model, using the headline shares Turo displays (the 3–13 day booking window):
| Plan | Headline host share | Damage responsibility | Who it suits |
|---|---|---|---|
| Peace of Mind | 70% | $250 | New hosts, thin cash buffers |
| Balanced | 80% | $1,500 | Most single-car hosts |
| More Earnings | 90% | $2,750 | Established hosts with reserves |
Two details hide behind that table. First, the share applies to more than the trip price: extra-mileage, additional-usage, and late-return fees all pay out at your plan's share. Your security deposit is never touched.
Second, the headline number is one row of a four-row matrix: your actual share depends on how far ahead the guest booked, and it locks at booking time.
The 28+ Day Rule: How to Get 100% of the Trip Price
Every earnings plan pays more for trips booked further ahead. Here is the full matrix:
| Booking window | Peace of Mind | Balanced | More Earnings |
|---|---|---|---|
| 0–2 days ahead | 65% | 75% | 85% |
| 3–13 days ahead | 70% | 80% | 90% |
| 14–27 days ahead | 75% | 85% | 95% |
| 28+ days ahead | 80% | 90% | 100% |
The bottom-right cell is the one that changes strategy. On the More Earnings plan, a trip booked 28 or more days before it starts pays you 100% of the trip price. Turo's fee on that booking is zero.
Worked example: a guest books your car on June 1 for a $1,200 month-long trip starting July 5 — 34 days out. On More Earnings you receive the full $1,200. On Balanced you receive $1,080, and on Peace of Mind $960. Same car, same guest, same trip; the plan choice alone is worth $240.
Because the share locks when the trip is booked, you cannot game it afterward — but you can market toward it. Hosts who push monthly rentals, corporate bookings, and early-bird discounts are systematically farming the 28+ day rows of this table.
Which Turo Earnings Plan Pays More? It Depends on Your Booking Mix
There is no universally best plan — the answer falls out of two numbers: your booking-window mix and your damage risk. This section handles the first; the next section handles the second. (For the fee side of the same math, see the full 2026 Turo fee matrix.)
Three representative months, one host, three very different answers.
Mostly Last-Minute Weekend Trips
Consider a city car doing eight weekend trips a month at $180 each — $1,440 in trip price — nearly all booked 0–2 days ahead, the window where every plan pays its worst share:
| Plan | Share (0–2 days) | Monthly payout |
|---|---|---|
| Peace of Mind | 65% | $936 |
| Balanced | 75% | $1,080 |
| More Earnings | 85% | $1,224 |
More Earnings clears $288 more per month than Peace of Mind — but at this revenue it takes about ten clean months to cover one $2,750 damage hit versus $250, and last-minute urban rentals sit at the higher-incident end of the business.
Mostly Week-Long Bookings
Now a typical airport-oriented car: four week-long trips a month at $520 each — $2,080 — booked 3 to 13 days ahead, the headline window:
| Plan | Share (3–13 days) | Monthly payout |
|---|---|---|
| Peace of Mind | 70% | $1,456 |
| Balanced | 80% | $1,664 |
| More Earnings | 90% | $1,872 |
The gap widens to $416 a month between top and bottom plan. Fewer, longer trips also usually mean fewer handoffs per dollar earned — which is where damage happens.
Advance and Monthly Bookings
Finally, a host running two monthly rentals at $1,350 each — $2,700 — booked more than 28 days out:
| Plan | Share (28+ days) | Monthly payout |
|---|---|---|
| Peace of Mind | 80% | $2,160 |
| Balanced | 90% | $2,430 |
| More Earnings | 100% | $2,700 |
Here the 100% rule flips the entire question. More Earnings beats Peace of Mind by $540 a month — $6,480 a year — on a booking pattern with roughly two guest handoffs per month.
If you do not know your own booking-window mix, that is the first fix. Operators running their fleet through CarCEO PRO see per-booking channel and fee tracking, so the window mix stops being a guess and becomes a report.
The Break-Even Math: Damage Risk vs. Take-Rate
The share table shows what you gain by moving up a plan; damage responsibility shows what you risk. Together they give a break-even that neither Turo's help pages nor stale third-party posts provide.
The structure is clean: moving from Peace of Mind to More Earnings adds 20 share points in every booking window and adds $2,500 of damage responsibility ($2,750 vs. $250) per incident. So More Earnings wins the year whenever 20% of your annual trip revenue exceeds $2,500 times the incidents you expect.
Here is that math at three daily-rate bands, assuming a well-utilized car doing 240 rental days a year:
| Daily rate (240 days/yr) | Extra payout: More vs. PoM | Break-even incident rate |
|---|---|---|
| $40 (~$9,600 gross) | +$1,920/yr | ~0.8 incidents/yr |
| $75 (~$18,000 gross) | +$3,600/yr | ~1.4 incidents/yr |
| $120 (~$28,800 gross) | +$5,760/yr | ~2.3 incidents/yr |
Read it plainly: a $120/day car has to suffer more than two damage-responsibility incidents per year before Peace of Mind out-earns More Earnings. A $40/day car flips at less than one incident a year, which is why cheap high-churn cars often belong on a lower plan.
The rule of thumb generalizes because the ratio is constant across plans: every 10 share points costs $1,250 of extra damage responsibility. So the higher plan nets more whenever your annual trip revenue exceeds roughly $12,500 per incident you realistically expect. If you have never had a claim in two years of hosting, you are almost certainly leaving money on the table below More Earnings.
The soft factor the table cannot capture is process. Hosts with rigorous check-out/check-in photo documentation recover more from guests and eat fewer ambiguous claims — handling damage claims as an operator is a skill that directly changes which plan you can afford to run.
Pick Your Plan in 60 Seconds
Compress everything above into one decision matrix:
| Your booking mix | Buffer under $1,500 | Buffer $3,000+ |
|---|---|---|
| Mostly last-minute (0–2 days) | Peace of Mind | Balanced |
| Mixed / headline window (3–13 days) | Balanced | More Earnings |
| Mostly 14+ days ahead | Balanced | More Earnings |
"Buffer" means cash you could hand over tomorrow if a trip ends with your car in a body shop — if a surprise $2,750 bill would wreck your month, More Earnings is mispriced for you regardless of the payout table.
Multi-car hosts get one extra lever: the plan decision is per car, not per account strategy. A $45/day commuter and a $130/day SUV in the same fleet can rationally sit on different plans — the multi-car host playbook covers how to run that kind of per-vehicle policy without losing track of it.
Switching Plans: Rules, Timing, and Gotchas
The single most important mechanic: your share locks at booking time. A trip keeps the plan and share that were in effect when the guest booked it, regardless of what you switch to afterward.
That cuts both ways:
- Switching up (say, Balanced to More Earnings) does nothing for trips already on the calendar — only new bookings earn the higher share.
- Switching down does not retroactively change already-booked trips, so it is not an escape hatch before a risky trip you already accepted.
- Timing your switch matters most before high-season booking waves: hosts who move up in early spring capture the higher share on summer trips booked months ahead.
Because plan mechanics, eligibility, and exact shares can vary by market and account, verify the current rules at Turo's help center and in your host dashboard before switching. Treat every third-party number — including ours — as the published US model, not a quote for your account.
Model Your Own Numbers
The decision lives in your daily rate, booking-window mix, and risk tolerance. Plug your numbers into the free Turo payout calculator — it runs all three earnings plans across every booking window, including the 28+ day 100% rule, and shows the exact dollar gap between plans for your car. It is the same host-share matrix CarCEO PRO applies automatically to every Turo booking for hosts who manage their fleet on the platform.
Common Mistakes When Choosing a Turo Earnings Plan
- Taking the maximum share with zero damage buffer. More Earnings with no reserves means one incident wipes out months of the extra share. Build the $2,750 buffer first, then move up.
- Guessing your booking-window mix instead of measuring it. Hosts consistently overestimate how far ahead guests book. Pull your last 20 trips and count the windows; CarCEO PRO tracks this per booking automatically, including the fee each window actually cost you.
- Set-and-forget. Your mix changes — a car that started as a weekend runner becomes a monthly-rental machine. Re-run the math quarterly; shares and terms already changed once this year.
- Comparing plans on headline share alone. The real spread runs from 65% (Peace of Mind, last-minute) to 100% (More Earnings, 28+ days ahead) — a 35-point range the 70-vs-90 framing hides.
- Forgetting the share applies to extras. Late-return fees and extra-mileage charges pay out at your plan share too, so high-mileage-overage cars amplify the plan gap. If you run cars on multiple channels, a per-booking earnings-plan override — which CarCEO PRO supports for exactly this reason — keeps the accounting honest when one vehicle's plan differs from the rest.
FAQ
What are Turo earnings plans?
Turo earnings plans are the three host plans — Peace of Mind, Balanced, and More Earnings — that set your share of each trip's price under Turo's published US host-earnings model. Headline shares are 70%, 80%, and 90%, rising with advance booking up to 100%, and each plan carries a damage responsibility of $250, $1,500, or $2,750.
What happened to Turo protection plans?
Turo retired the numbered protection plans around March 2026 and replaced them with the three named earnings plans. Deductibles became "damage responsibility," and the fixed per-plan share became a matrix that varies by booking window. Any guide still quoting the 60 plan or an 85 plan predates the change and its percentages no longer apply.
Which Turo earnings plan is best?
It depends on two numbers: your booking-window mix and your realistic damage frequency. Advance-heavy hosts with cash reserves usually net the most on More Earnings, thanks to the 100% rule on 28+ day bookings. High-churn last-minute hosts, or anyone without a $2,750 buffer, typically do better on Balanced or Peace of Mind.
How do you keep 100% of the trip price on Turo?
Be on the More Earnings plan when a guest books a trip 28 or more days before it starts. That combination pays the host 100% of the trip price — Turo's fee on the booking is zero. The share locks at booking time, so the plan must already be active when the reservation comes in.
Should I use the 60 or 90 protection plan on Turo?
Neither exists anymore — the numbered protection plans were retired in early 2026. Their closest modern equivalents are Peace of Mind (70% headline share, $250 damage responsibility) at the cautious end and More Earnings (90% headline share, $2,750 damage responsibility) at the aggressive end, with Balanced (80%, $1,500) between them.
How much does Turo take from hosts?
Turo's fee is simply 100 minus your host share, so under the current US model it ranges from 35% (Peace of Mind, booked 0–2 days ahead) down to 0% (More Earnings, booked 28+ days ahead). The fee applies to trip price and extras like late-return and mileage charges — never to security deposits.
Conclusion
The March 2026 shift from protection plans to earnings plans quietly turned a one-number decision into a matrix one. The plan you pick sets a 65%-to-100% payout range, and your booking-window mix decides where in that range you actually live.
The math in this article gives you the frame: measure your window mix, price your damage risk at $1,250 per 10 share points, and revisit quarterly. Hosts who treat the plan choice as a recurring pricing decision — not a signup checkbox — reliably keep more of every trip.
Want the exact numbers for your car? Run your daily rate and booking mix through the free Turo payout calculator — it models all three earnings plans and the 28+ day rule automatically.